this post was submitted on 03 Aug 2023
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You can retire at any age you want lol. Most people didn't live in their means nor did they save for retirement starting at 18/22. This was possible 30 years ago. These days? Not so much.
It doesn't mean you can't leverage it way better than most though. Starting a Roth IRA saves more money than even paying off your house loan in half the time. That's saving an extra $70,000 for most. Putting into retirement early triples that lol.
Compound interest via stock/bonds is a bullshit money generating hack made up by rich people to get richer though. The poors literally get their dregs from riding on their coattails then acting like they invested well. Nobody wants to admit that you should be able to retire indefinitely by what amounts to hoarding above a certain dollar threshold though lol.
Is it really just a simple matter of living within your means when you are constantly bombarded with the idea that you are inferior for not having that shiny new thing and banks are constantly trying to push you into predatory debt schemes like credit cards?
At that point, I don't blame people for not having a retirement fund. This is a systemic problem, not an individual failure and we should look at changing those systemic failures rather than pointing the finger at people and saying, "you fell for our bullshit and now you are poor. Shame on you!"
I just want wages to increase to a point where people with a decent education can afford a home without any major financial stress.
It's not normal to have professionals with bachelor's degrees not being able to afford a home.